Rates
Checking Account Rates
Electrum™ Dividends
Current as of 11/1/2019| Balance | APY1 | Div. Rate |
| Over $10,000 | 0.25% | 0.250% |
| Balances to $10,000 | 3.00% | 2.960% |
| All balances (non-qualifying)2 | 0.05% | 0.050% |
1APY = Annual Percentage Yield. APY is valid as of the last dividend declaration date. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. $25 minimum to open account and earn APY. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. 2Monthly qualifications must be met in order to earn high dividend rate on balances up to $10,000, paid monthly. If not met, the reduced rate will be applied to balance. Balances over $10,000 will earn a reduced dividend rate. |
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Simple Choice Dividends
Current as of 11/1/2019| Balance | APY1 | Dividend Rate |
|---|---|---|
| Over $25,000 | 0.05% | 0.050% |
| Balances to $25,000 | 0.05% | 0.050% |
1APY = Annual Percentage Yield; Dividends are paid monthly. APY is valid as of the last dividend declaration date. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. $25 minimum to open account and earn APY. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. Dividends are paid on Simple Choice Checking only if that option is selected as part of customized account. |
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Premium Advantage Dividends
Current as of 11/1/2019| Balance | APY1 | Div. Rate |
|---|---|---|
| Over $100,000 | 0.35% | 0.349% |
| Over $25,000 | 0.25% | 0.250% |
| Over $10,000 | 0.05% | 0.050% |
| Balances to $10,000 | 0.05% | 0.050% |
1APY = Annual Percentage Yield; Dividends are paid monthly. APY is valid as of the last dividend declaration date. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. $25 minimum to open account and earn APY. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Loan Rates
Auto Loan Rates
Current as of 11/1/2019| Term | APR1 as low as |
|---|---|
| 36-42 months | 2.49% |
| 43-60 months | 2.74% |
| 61-78 months2 | 3.24% |
| 79-84 months2 | 3.74% |
1APR = Annual Percentage Rate. Above rates represent a credit score of at least 780, a minimum of $25,000, and Automatic Payments from a Park View Checking Account. Members may see an increase in APR based on credit, value of vehicle, age of vehicle, and/or amount financed. Not all loans will be eligible for all terms listed above. |
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Savings Account Rates
Share Savings and Club Rates
1$5 minimum deposit in Member SharesCurrent as of 11/1/2019
| Balance ($5 minimum deposit) | APY2 | Dividend Rate |
|---|---|---|
| Over $25,000 | 0.20% | 0.200% |
| Balances to $25,000 | 0.15% | 0.150% |
1 $5 minimum deposit required to open account and earn APY.2APY = Annual Percentage Yield; Dividends are paid quarterly. APY is valid as of the last dividend declaration date. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Park View Rewards Account Rates
1Restricted depositsCurrent as of 10/1/2019
| Balance | APY2 | Dividend Rate |
|---|---|---|
| All balances | 4.00% | 3.941% |
1Deposits are limited to reward or account engagement activity including but not limited to Round Up transfers and dividends paid. 2APY=Annual Percentage Yield. Dividends are paid quarterly. APY is valid as of the last dividend declaration date. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. $25 minimum to open Checking Account and earn APY. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Specialty Club Account (Christmas, Car club) Rates
1$5 minimum deposit in member sharesCurrent as of 11/1/2019
| Balance | APY2 | Dividend Rate |
|---|---|---|
| All balances | 0.25% | 0.250% |
1$5 minimum deposit in shares account required to open specialty club account and earn APY. 2APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Health Savings Account (HSA) Rates
1$5 minimum deposit in shares accountCurrent as of 11/1/2019
| Balance | APY2 | Dividend Rate |
|---|---|---|
| Over $5,000 | 0.40% | 0.399% |
| Balances to $5,000 | 0.10% | 0.100% |
1$5 minimum deposit in shares account required to open health savings account and earn APY. 2APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Individual Retirement Account (IRA) Share Rates
Current as of 11/1/2019| Balance | APY1 | Dividend Rate |
|---|---|---|
| $250 minimum to open | 0.25% | 0.250% |
1APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Money Market Rates
Traditional Money Market Rates
Current as of 11/1/2019| Balance ($1,500 minimum to open) | APY1 | Dividend Rate |
|---|---|---|
| Over $200,000 | 1.03% | 1.025% |
| Over $100,000 | 1.01% | 1.005% |
| Over $75,000 | 0.80% | 0.797% |
| Over $25,000 | 0.75% | 0.747% |
| Balances to $25,000 | 0.50% | 0.499% |
1APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Investment Money Market Rates
Current as of 11/1/2019| Balance | APY1 | Dividend Rate |
|---|---|---|
| Balances over $250,000 | 0.88 - 1.05% | 1.045% |
| $100,000.01-$250,000 | 0.70 - 0.88% | 0.995% |
| $50,000.01-$100,000 | 0.60 - 0.70% | 0.797% |
| $25,000.01-$50,000 | 0.45 - 0.60% | 0.747% |
| $2,500.01-$25,000 | 0.00-0.45% | 0.499% |
| Balances to $2,500 | 0.00% | 0.000% |
1APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Certificate Rates
Regular Fixed Rate Certificates
Current as of 11/1/2019| Min. Opening Deposit | Term | APY1 | Dividend Rate |
|---|---|---|---|
| $1,000 | 6 months | 1.05% | 1.046% |
| 1 year | 1.80% | 1.788% | |
| 18 months | 1.55% | 1.541% | |
| 2 years | 2.35% | 2.330% | |
| 30 months | 1.95% | 1.936% | |
| 3 years | 2.45% | 2.428% | |
| 4 years | 2.30% | 2.280% | |
| 5 years | 2.50% | 2.477% | |
| $10,000 (New deposits2) | 13 months | 2.00% | 1.985% |
| $90,000 | 6 months | 1.10% | 1.095% |
| 1 year | 1.85% | 1.837% | |
| 18 months | 1.60% | 1.590% | |
| 2 years | 2.40% | 2.379% | |
| 30 months | 2.00% | 1.985% | |
| 3 years | 2.50% | 2.477% | |
| 4 years | 2.35% | 2.330% | |
| 5 years | 2.55% | 2.526% | |
1APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals on certificates up to 3-year terms, and a 180-day penalty on early withdrawals from 4 and 5 year term certificates. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Bump Up Certificate Rates
1One rate increase per certificateCurrent as of 11/1/2019
| Minimum Deposit | Term | APY2 | Dividend Rate |
|---|---|---|---|
| $10,000 | 24 months | 2.30% | 2.28% |
| 60 months | 2.45% | 2.428% | |
1One rate increase per certificate term initiated by member. 2APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals from Bump Up certificates up to 3-year terms. A 180-day dividend penalty will be assessed on early withdrawals from Bump Up certificates with terms longer than three years. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.. |
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Grow With Me Certificate Rates
Current as of 11/1/2019| Balance | Term | APY* | Dividend Rate |
|---|---|---|---|
| Balances to $50,000 | Until age 18 | 2.75% | 2.722% |
| Over $50,000 | Until age 18 | 2.75-0.15% | 0.150% |
*APY = Annual Percentage Yield; Dividends are paid quarterly. Rates may change annually in July. A 365-day dividend penalty will be assessed on early withdrawals on certificates. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Individual Retirement Account (IRA) Certificate Rates
Current as of 11/1/2019| Min. Opening Deposit | Term | APY* | Dividend Rate |
|---|---|---|---|
| $1,000 | 1 year | 1.85% | 1.837% |
| 2 years | 2.40% | 2.379% | |
| 3 years | 2.50% | 2.477% | |
| 5 years | 2.55% | 2.526% | |
| $90,000 | 1 year | 1.90% | 1.887% |
| 2 years | 2.45% | 2.428% | |
| 3 years | 2.55% | 2.526% | |
| 5 years | 2.60% | 2.575% | |
*APY = Annual Percentage Yield; Dividends are paid quarterly. Early withdrawals from certificates will only have a dividend penalty if the account holder is less than 70 1/2 years of age. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Business Advantage Checking Rates
Current as of 11/1/2019| Balance | APY1 | Dividend Rate |
|---|---|---|
| Balances over $250,000 | 0.26 - 0.50% | 0.499% |
| $150,000.01 - $250,000 | 0.23 - 0.26% | 0.300% |
| $50,000.01 - $150,000 | 0.18 - 0.23% | 0.250% |
| $10,000.01 - $50,000 | 0.08 - 0.18% | 0.200% |
| $2,500.01 - $10,000 | 0.01 - 0.08% | 0.100% |
| Balances to $2,500 | 0.01% | 0.010% |
1APY = Annual Percentage Yield; Dividends are paid monthly. APY is valid as of the last dividend declaration date. All rates quoted are subject to Credit Union earnings and are subject to change without notice. $25 minimum to open account and earn APY. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Business Traditional Money Market Rates
Current as of 11/1/2019| Balance ($1,500 minimum to open) | APY1 | Dividend Rate |
|---|---|---|
| Over $200,000 | 1.03% | 1.025% |
| Over $100,000 | 1.01.% | 1.005% |
| Over $75,000 | 0.80% | 0.797% |
| Over $25,000 | 0.75% | 0.747% |
| Balances to $25,000 | 0.50% | 0.499% |
1APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Business Investment Money Market Rates
Current as of 11/1/2019| Balance | APY1 | Dividend Rate |
|---|---|---|
| Balances over $250,000 | 0.88 - 1.05% | 1.045% |
| $100,000.01-$250,000 | 0.70 - 0.88% | 0.995% |
| $50,000.01-$100,000 | 0.60 - 0.70% | 0.797% |
| $25,000.01-$50,000 | 0.45 - 0.60% | 0.747% |
| $2,500.01-$25,000 | 0.00-0.45% | 0.499% |
| Balances to $2,500 | 0.00% | 0.000% |
1APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Business Share Savings and Club Rates
1$5 minimum deposit in Member SharesCurrent as of 11/1/2019
| Balance ($5 minimum deposit) | APY2 | Dividend Rate |
|---|---|---|
| Over $25,000 | 0.20% | 0.200% |
| Balances to $25,000 | 0.15% | 0.150% |
1 $5 minimum deposit to open account and earn APY.2APY = Annual Percentage Yield; Dividends are paid quarterly. APY is valid as of the last dividend declaration date. All rates quoted are subject to Credit Union earnings and are subject to change without notice. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Business Regular Fixed Rate Certificates
Current as of 11/1/2019| Min. Opening Deposit | Term | APY1 | Dividend Rate |
|---|---|---|---|
| $1,000 | 6 months | 1.05% | 1.046% |
| 1 year | 1.80% | 1.788% | |
| 18 months | 1.55% | 1.541% | |
| 2 years | 2.35% | 2.330% | |
| 30 months | 1.95% | 1.936% | |
| 3 years | 2.45% | 2.428% | |
| 4 years | 2.30% | 2.280% | |
| 5 years | 2.50% | 2.477% | |
| $10,000 (New deposits2) | 13 months | 2.00% | 1.985% |
| $90,000 | 6 months | 1.10% | 1.095% |
| 1 year | 1.85% | 1.837% | |
| 18 months | 1.60% | 1.590% | |
| 2 years | 2.40% | 2.379% | |
| 30 months | 2.00% | 1.985% | |
| 3 years | 2.50% | 2.477% | |
| 4 years | 2.35% | 2.330% | |
| 5 years | 2.55% | 2.526% | |
1APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals on certificates up to 3-year terms, and a 180-day penalty on early withdrawals from 4 and 5 year term certificates. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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